Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add coreyhaines31/makerskills --skill personal-cfogit clone --depth 1 https://github.com/coreyhaines31/makerskillsWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/coreyhaines31/makerskills/personal-cfo)<a href="https://agentmods.dev/skills/coreyhaines31/makerskills/personal-cfo"><img src="https://agentmods.dev/badge/skills/coreyhaines31/makerskills/personal-cfo/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/coreyhaines31/makerskills/personal-cfo"><img src="https://agentmods.dev/badge/skills/coreyhaines31/makerskills/personal-cfo.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00209 | $0.02435 |
| Opus 5.5 | $0.00084 | $0.00974 |
| Sonnet 5.5 | $0.00042 | $0.00487 |
| Haiku 4.5 | $0.00021 | $0.00244 |
Grade A, and why
personal-cfo scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 3d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 183 lines — stays where its author put it; the contents beside it link to each section on GitHub.
/personal-cfo — Personal financial scenario modeling
This skill is for a household (you + partner): housing decisions, monthly cash flow, big purchases, scenario what-ifs. Pair it with a business-books CFO skill if you also run one for a company — the DNA is the same, the domain is different.
Step 1 — Pick the scenario type
| Invocation | Type | What it models |
|---|---|---|
/personal-cfo house (default for now) |
house | Buy a house + rental income scenarios (ADU / bedrooms / combinations) + renovations + monthly cash flow |
/personal-cfo refi |
refi | Refinancing scenarios |
/personal-cfo cash-flow |
cash-flow | Generic monthly cash flow (income, expenses, savings rate) |
/personal-cfo big-purchase |
big-purchase | Should we buy X (car, education, equipment) — cash vs finance vs lease comparisons |
/personal-cfo side-income |
side-income | Adding a side income stream — break-even, tax implications |
/personal-cfo savings-what-if |
savings-what-if | What if we put $X into Y for N years — index funds, real estate, etc. |
For v0.1, only the house template is fleshed out. Others are sketched in references/templates/ as stubs.
Step 2 — Gather inputs
Ask in a structured batch. For house mode, see references/templates/house.md for the full input questionnaire. Core fields:
Property
- Purchase price
- Down payment (% or $)
- Mortgage rate + term (years)
- Property taxes (annual)
- HOA (monthly, if any)
- Homeowner's insurance (monthly)
- Closing costs (estimate)
Renovations / repairs
- Day-1 renovations (line items with estimates — kitchen, bath, ADU buildout, etc.)
- Year-1 expected repairs
- Annual maintenance budget (rule of thumb: 1% of purchase price)
Rental scenarios (for the house mode)
- ADU monthly rent estimate + vacancy assumption (typical: 5–8%)
- Bedroom 1 monthly rent + vacancy
- Bedroom 2 monthly rent + vacancy
- Utilities split assumption (who pays what)
- Property management cost (if not self-managing)
What ships with it
2 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 3d ago Changed · +13 tokens per session 457caed72323
- 17d ago Changed · -75 tokens per session 8c3c721ac6be
- 1mo ago First seen · 183 lines · 271 tokens per session scan A f25575c9d0b4
personal-cfo is a skill published in the GitHub repository coreyhaines31/makerskills (874 stars, last pushed 3d ago), licensed MIT. It adds 209 tokens to every session and 2,435 once invoked, about $0.0008 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.
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